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Buying Money Orders at Walmart (2019 onwards)

Buying Money Orders at Walmart (2019 onwards)

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Old Aug 23, 19, 4:20 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: fletchbo
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This is the thread for 2019. The previous discussion can be found here: https://www.flyertalk.com/forum/manu...rt-2018-a.html

New to MO: Read this entire Wiki (Click to open) and all posts for some tips before asking common questions. It is best to know what you are doing before you try.

Note: The policy for allowing gift cards as payment for money orders can be more restrictive with certain stores or certain clerks. Just because an employee says there's a new restrictive policy "for all Walmarts" means nothing. There are plenty of cases where the employee is incorrect and the new policy is only regional or store specific.

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Tested Gebit cards:
1. DO NOT WORK - Any Vanilla product affiliated with InComm or ITC Financial Services will not work for swipes over $49.99.
2. Visas issued by MetaBank work great.
3. MC issued by US bank OR Metabank MC (Giftcards.com) can work, but you need to change payment type to debit before they enter the amount in the register. See below for details.
5. Gdot/sun work but take about an hour to activate.
__________________________________________________ __________________________________________
NEW Limits as of 11/18 - 8K with ID every 24 hours. ID required for MO over 1K.

Some tips for starting out:

All WM registers allow 4 debit swipes per transaction, but YMMV per store and cashier. Refer to cards as Debit cards.

Start slow and buy one MO with one Gebit to see how it works. Refer to cards as Debit, only this community calls them Gebits. Your store or cashier may have rules that other stores do not have, only allowing one swipe per trans or up to 4 swipes per trans. Read all the tips below and all the posts below before trying more advanced transactions. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card. Fee: 1K MO or less is usually 88 cents each, but ask or check the wall. Subtract the fee from the total or pay in cash. If a store says "no", thank them and try again another day with a different clerk.


Helpful details and tips for advanced transactions:

1. Cost:
1K MO fee is usually 88 cents each(Some states limit MO total to 750 or 950 and may have a different fee). Subtract fee from your total or pay in cash. Can buy two 1K MO in one transaction with 4 swipes for 88 cents x 2 in most states. NO variety or design of VISA or MC Gebit's will ever auto-drain at Walmart so always tell them the amount you want to pay per card.

2. Split payment transactions: You cannot successfully swipe more than 4 cards in a single transaction. If the cashier screws up and enters $50.00 instead of $500.00 (thus making it impossible for 4 swipes to complete the transaction), the transaction will need to be canceled. The funds should return to your cards right away but may take 24 hours, so note the time and person helping you. When a transaction is canceled during the trans, the money returns to the cards. If canceled after, the cash reg drawer opens and they pay you back in cash.

3. Split payment: The amount of each swipe needs to be entered by the cashier. Ask to "split the payment by $$$". The Gebit must have current balance of that amount or more otherwise slip with Error 51 will print out. Warning: (YMMV) It appears (my experience on 3 occasions during prepaid card load and buying MO in 2 different WMs) that after the debit card was charged no cash could be credited back to the card. Cashier should issue cash back. Keep the slip and contact manager if in doubt. Remember date, time and register if no slip.

4. Bad Printer: IF, by chance, you've swiped your GCs successfully, a receipt prints but the MO doesn't, make sure to ask to see the receipt and check near the bottom IF it says CHANGE/REFUND with a negative sign before the amount of GCs you swiped, that means the cashier must give you cash refund. Cashier may have to call for the cash dept manager to verify the refund. Some stores may outright give your cash refund immediately while there are others that will ask you to come back. Think twice before you buy MOs while on vacation or when you're in unknown to you territories for issues like this.

5. Kiosk: Very few Kate's can sell money orders anymore.>>>>Sometime 2016, a lot of WM supercenters have done away with Kate (kiosks that allows loading of prepaids/sell $500 MOs). As of today, MOST, if not ALL WMs, have replaced this with the regular slim ATM to check balance/withdraw money.

6. MCGC liquidation- The cashier should
not enter the amount first. Technically they just can't hit enter after entering the amount. Let the CSR know you need to swipe first and switch the payment type to debit, then swipe and hit "Cancel" or "Change Payment" to select "Debit" on the screen, enter the pin and have them enter the amount.

7. SSN entry - Any MO purchases in one transaction over $3K requires you to input your SSN. Confirmed 8/2019.




Debit codes PDF
http://www.flyertalk.com/forum/attac...0&d=1461170080
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Old Nov 23, 19, 7:42 am
  #1591  
 
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Originally Posted by littlewinglet View Post
Ha funny I just had an idea about doing this but more so that I would have an extra "biller" to pay off using BP. When you take money out, how fast do they start charging you interest? Is there a few days gap where you can create a balance and pay it off without incurring interest charges?
Just keep tab of the bill pay fees and make sure that the receiver of funds is on the approved bill pay list.

As an aside, I would query the lender on approved methods of payment for your loan (which is what a HELOC is). You don't have to be specific, but one question I would ask is whether I could use a debit card for monthly payments.

I would also be very wary of the fees. Paying off a HELOC early (usually within 2-3 years) initiates a not insubstantial fee (hundreds of dollars). There are other less publicized fees as well. And interest rates are almost never fixed, so if by chance the lending rates spike, then you will be charged more for the loan. Finally, remember that HELOCs put liens on your property which may be a headache to deal with if and when you want to sell the property.

The bottom line: Tread with caution
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Old Nov 23, 19, 9:02 am
  #1592  
 
Join Date: May 2008
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Originally Posted by royallyflushed View Post
Lol, so they're recruiting people who don't even have the slightest clue what structuring is into managerial positions now?
Didn't you know that WM aggressively recruits retiring special agents from the Secret Service and Treasury to oversee their Money Center operations? That's why their operations are so consistent and professional.

Seriously, I actually do wonder where they get their information. An essential element of the crime of structuring is that it be done in order to evade reporting requirements.

I had a time when I was living overseas and I forget exactly what I was doing, but I was making relatively frequent mobile deposits of $9,999.00 by writing a check on my HELOC and depositing in my Fidelity account. They called and asked why, and I said "Because I live in Bermuda so it's better to do mobile deposits than mail checks, and your maximum on a mobile transaction is $9,999.99." And that was that.
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Old Nov 23, 19, 9:30 am
  #1593  
 
Join Date: Oct 2014
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Originally Posted by radonc1 View Post
Just keep tab of the bill pay fees and make sure that the receiver of funds is on the approved bill pay list.

As an aside, I would query the lender on approved methods of payment for your loan (which is what a HELOC is). You don't have to be specific, but one question I would ask is whether I could use a debit card for monthly payments.

I would also be very wary of the fees. Paying off a HELOC early (usually within 2-3 years) initiates a not insubstantial fee (hundreds of dollars). There are other less publicized fees as well. And interest rates are almost never fixed, so if by chance the lending rates spike, then you will be charged more for the loan. Finally, remember that HELOCs put liens on your property which may be a headache to deal with if and when you want to sell the property.

The bottom line: Tread with caution
It's unlikely I'll go to this much trouble, I was just curious. I'm definitely not interested in a 20k per 3-4 years volume. This is something where I'd be taking out multiples of the HELOC limit in a span of a few months and immediately paying it down. Essentially the equivalent of CC limit cycling. Wasn't sure if that's something that could even work without massive fees and interest payments.
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Old Nov 23, 19, 10:38 am
  #1594  
ogg
 
Join Date: Sep 2019
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Originally Posted by radonc1 View Post
Just keep tab of the bill pay fees and make sure that the receiver of funds is on the approved bill pay list.

As an aside, I would query the lender on approved methods of payment for your loan (which is what a HELOC is). You don't have to be specific, but one question I would ask is whether I could use a debit card for monthly payments.

I would also be very wary of the fees. Paying off a HELOC early (usually within 2-3 years) initiates a not insubstantial fee (hundreds of dollars). There are other less publicized fees as well. And interest rates are almost never fixed, so if by chance the lending rates spike, then you will be charged more for the loan. Finally, remember that HELOCs put liens on your property which may be a headache to deal with if and when you want to sell the property.

The bottom line: Tread with caution
You're thinking of a mortgage, not a HELOC. HELOCs aren't closed if they're repaid. There are no extra fees if they're paid in full. They're usually opened for 10 years--it's a revolving line of credit which you can draw on and pay off or down as often as you like.
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Old Nov 23, 19, 12:27 pm
  #1595  
 
Join Date: Jan 2017
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Originally Posted by bailey911 View Post
Been MSing for many years, lots of interesting experiences at the grocery store and Wally over the years, but yesterday deserves a special mention here

Was visiting a city in Florida, saw a neighborhood market and went in. Was getting one 799.12 MO. Machine ran out of paper. Yellow vest comes in and she's an "Academy Leader". Never seen one b4. She reloads the paper then tells the cashier 4 x 200 payments means I am using GCs to buy MOs and that is "structuring" She then proceeds to tell the cashier to be on the lookout for people who use GCs, then turns to me and says. "I am voiding this transaction. What you are doing is illegal. You are using GCs to buy our money orders to deposit them in your bank account to pay your credit card to get points and rewards. We know your game. That is illegal. It is called structuring. If I see you here again I will call the police" She then walked away.

I left the store, went to another wallys and got the MO but wow, just wow.
I would politely request that she does, in fact, call the police. Then I'd take a seat and wait for her to be embarrassed.
Also I would then remind her of something she should have learned on day 1 of manager training: NEVER accuse a customer of a crime unless you're a huge fan of defamation lawsuits.
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Old Nov 23, 19, 8:59 pm
  #1596  
 
Join Date: Jul 2008
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Yeah waiting for the cop is great until the cop agrees (incorrectly) it is structuring and arrests you. Sure you won't get prosecuted but is it really worth it? I know, couldn't happen right?

https://geektyrant.com/news/a-man-wa...een-one-before
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Old Nov 23, 19, 9:40 pm
  #1597  
 
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Originally Posted by shipitkthx View Post
I would politely request that she does, in fact, call the police. Then I'd take a seat and wait for her to be embarrassed.
Also I would then remind her of something she should have learned on day 1 of manager training: NEVER accuse a customer of a crime unless you're a huge fan of defamation lawsuits.
There is nothing quite like staying under the radar.....
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Old Nov 23, 19, 11:26 pm
  #1598  
 
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Originally Posted by Steve in Olympia View Post
There is nothing quite like staying under the radar.....
Agreed, a Wally manager on a power trip could embellish and dramatize enough where a cop may be compelled to make an arrest.
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Old Nov 23, 19, 11:34 pm
  #1599  
 
Join Date: Jan 2017
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Originally Posted by Steve in Olympia View Post
There is nothing quite like staying under the radar.....
Yeah because that store isn't already blown by a training manager accusing you of criminal activity.
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Old Nov 23, 19, 11:37 pm
  #1600  
 
Join Date: Jan 2017
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Originally Posted by nmp0 View Post
Yeah waiting for the cop is great until the cop agrees (incorrectly) it is structuring and arrests you. Sure you won't get prosecuted but is it really worth it? I know, couldn't happen right?

https://geektyrant.com/news/a-man-wa...een-one-before
Spend a couple hours in jail to be stop a rogue training manager from burning my entire area? In a heartbeat.

Also if that went down I would in fact sue her for defamation for the public accusation.
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Old Nov 24, 19, 4:41 am
  #1601  
 
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Originally Posted by shipitkthx View Post
Spend a couple hours in jail to be stop a rogue training manager from burning my entire area? In a heartbeat.

Also if that went down I would in fact sue her for defamation for the public accusation.
There is nothing quite so productive as arguing with a WalMart clerk....it always produces good outcomes.
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Old Nov 24, 19, 8:43 am
  #1602  
 
Join Date: Oct 2015
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Anyone have experience with MONTHLY limits? Or some sort of other shutdown at Wally? I went to the same Wally I have been using for years and went up to the same Rep I have transacted with for years. Very friendly guy, knows the game. No power trips. Asked for 2 MOs over 2 $1k Gebits. Handed over my ID. He scanned it. Then said the system told him that I was shutdown....specifically "politely hand ID back to customer and decline transaction". He said it happens sometimes and they don't know how long it lasts. I hadn't bought an MO in over about a week. However, over the prior month, I had probably purchased about $10k. I know there is a $8k limit over 30 days on BillPay, didn't know anything about MO. Wiki says there is a daily limit, but I never do more than $2k a day.
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Old Nov 24, 19, 9:07 am
  #1603  
 
Join Date: Jul 2016
Location: NY
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Originally Posted by GatorSmiley View Post
Anyone have experience with MONTHLY limits? Or some sort of other shutdown at Wally? I went to the same Wally I have been using for years and went up to the same Rep I have transacted with for years. Very friendly guy, knows the game. No power trips. Asked for 2 MOs over 2 $1k Gebits. Handed over my ID. He scanned it. Then said the system told him that I was shutdown....specifically "politely hand ID back to customer and decline transaction". He said it happens sometimes and they don't know how long it lasts. I hadn't bought an MO in over about a week. However, over the prior month, I had probably purchased about $10k. I know there is a $8k limit over 30 days on BillPay, didn't know anything about MO. Wiki says there is a daily limit, but I never do more than $2k a day.
Unfortunately, you've been banned. I have yet to read a report of anyone who's been banned having been unbanned.
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Old Nov 24, 19, 9:25 am
  #1604  
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Originally Posted by FrankMS View Post
Unfortunately, you've been banned. I have yet to read a report of anyone who's been banned having been unbanned.
sort of banned , all they need to do is get 1 MO for < $1k and no ID is usually the case, then rinse and repeat at as many Wallys a sneeded

I have done only 1 time >$1k since they started tracking, and when I do my run(route) I usually do at a min $9k, sure it takes longer but well worth it for what Im saving also I get rid of the cards Ive gotten at my supermkt to boot, so I usually end up with $15K in MOs
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Old Nov 24, 19, 11:42 am
  #1605  
 
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If you show ID, you WILL be banned.......eventually.
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